Best Lenders to Secure a 50k to 100k Revolving Credit Loan
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-02-12.
Funding Agent operates as a broker that focuses on providing UK SMEs with a quick way to compare various business finance options. It is typically suitable for franchise buyers and operators seeking working capital or unsecured loans. The service emphasises a fast application process, flexible loan terms, and no collateral requirements.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 20%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Unsecured business loans, MCA Loans, Working capital
- Industries: UK SME's
Pros
- fastest and easiest application process
- No collateral required
Cons
- lower track record, only trading 1 year
Funding Circle specialises in term loans aimed at small to medium UK businesses. It suits franchise buyers and operators needing clear loan structures with fixed rates. This lender typically offers predictable repayment terms with competitive APRs and requires some business history.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 15%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Term Loans, Revolving Credit
- Industries: Retail, Healthcare
Pros
- Easy application
- Fast approval
Cons
- Requires business history
Iwoca focuses on flexible credit solutions including credit lines and short-term loans. Its products suit UK SMEs looking for quick access to funds with transparent repayment options. The lender is typically flexible on collateral but may have higher rates for shorter terms.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Credit Line, Business Loans
- Industries: E-commerce, Hospitality
Pros
- Quick access to funds
- No early repayment fees
Cons
- Higher rates for short loans
Liberis offers business cash advance solutions funded against future sales revenues. This makes it suitable for SMEs including franchisees with fluctuating cash flow seeking flexible repayment terms. The company does not require traditional collateral but focuses on revenue-based financing agreements.
Loan Details
- Min Amount: £2,500
- Max Amount: £300,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Cash Advance, Revenue-Based Financing
- Industries: Retail, Hospitality
Pros
- Flexible repayments
- No hidden fees
Cons
- Limited to card payments industries
Barclays is a traditional bank providing a broad range of business loans. It suits SMEs seeking secured or unsecured financing with established credit terms. The lender offers structured products with fixed repayment schedules and may require collateral depending on loan specifics.
Loan Details
- Min Amount: £1,000
- Max Amount: £250,000
- Min APR: 6%
- Max APR: 18.9%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Overdraft
- Industries: Manufacturing, Transport
Pros
- Established reputation
- Wide branch network
Cons
- Strict eligibility criteria
NatWest provides banking services and financial products for small and medium enterprises. It is appropriate for franchise operators needing term loans or overdrafts with structured repayment terms. The lender typically assesses eligibility carefully and offers support services alongside finance.
Loan Details
- Min Amount: £1,000
- Max Amount: £350,000
- Min APR: 5.9%
- Max APR: 19.9%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Term Loans, Overdraft
- Industries: Service, Construction
Pros
- Strong support
- Accessibility
HSBC UK offers a wide range of financing options targeted at SMEs, including term loans and asset finance. The lender suits franchise businesses seeking established banking relationships and access to flexible products. HSBC provides global reach with comprehensive support but may have higher fees on some products.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 3.9%
- Max APR: 14.9%
- Loan Duration: 12–84 months ⌛
Services & Industries
- Finance Types: Term Loans, Asset Finance
- Industries: Technology, Retail
Pros
- Global reach
- Comprehensive services
Cons
- Higher fees for smaller loans
Lloyds Bank provides lending and financial services for businesses of various sizes. It is ideal for SMEs and franchise owners who want tailored loan products with flexible terms. Lloyds focuses on personalised service and may require collateral depending on the loan type.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 6.5%
- Max APR: 20%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Financing
- Industries: Agriculture, Food Services
Pros
- Personalized service
- Flexible terms
9. Santander UK
Santander UK delivers business banking solutions with a focus on flexible lending products for SMEs. It targets franchise buyers and operators aiming for tailored financial solutions that support growth and working capital needs. The lender emphasises personalised service and competitive lending terms.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 5%
- Max APR: 16%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Trade Finance
- Industries: Energy, Healthcare
Pros
- Tailored financial products
- Customer support
Metro Bank provides a client-focused approach to business banking with a variety of loan products. It is suitable for franchise buyers looking for personalised service coupled with flexible lending options. The lender offers revolving credit and term loans tailored to SME needs.
Loan Details
- Min Amount: £2,000
- Max Amount: £250,000
- Min APR: 6%
- Max APR: 19.9%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit
- Industries: Retail, Property Management
Pros
- Customer service
- Flexible banking hours
How to choose
When selecting a lender for a 50k to 100k revolving credit loan, consider several key factors. Assess loan size and APR carefully to ensure repayments fit your cash flow and seasonality. Eligibility criteria can vary widely, so check your business profile matches lender requirements. Balance speed and convenience against product flexibility and collateral demands. Look for loan terms that match your franchise needs, including repayment type and loan duration. Reviewing fees and early repayment policies before you commit can help avoid surprises.
Conclusion
Choosing the right lender depends on your specific financing needs. Banks often provide established products with structured terms, ideal for asset-backed or larger loans. Brokers like Funding Agent offer access to multiple options quickly, which can benefit SMEs seeking speed and variety. Specialist providers focus on niche financing, such as revenue-based advances or flexible credit lines. Understanding your use case will guide you to the most appropriate lender for a 50 thousand to 100 thousand pounds loan.
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